Montgomery Bank
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Data as of · sourced from FFIEC call reports. How we update
Montgomery Bank is an FDIC-insured commercial bank headquartered in Sikeston, MO, established in 1934 (FDIC certificate 8255), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.18B, up 0.3% from Q2 2025, the 30th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.35% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8255
- Headquarters
- Sikeston, MO
- Established
- 1934
- Total assets, Q2 2026
- $1.18B
- Assets vs Q2 2025
- +0.3%
- CET1 ratio, Q2 2026
- 11.35%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 081517761
- Latest call report
- Q2 2026, FFIEC 051 · Montgomery Bank call report
- Holding company
- MONTGOMERY BANCORPORATION, INC.
- Asset rank in state
- 30th of 191 in Missouri
Montgomery Bank earns an unusually wide margin on its lending. Its balance sheet stood at $1.2 billion at June 30, 2026; it is based in Sikeston, Missouri. It keeps 4.77 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also lost 0.9% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Net income for the quarter rose 16% from a year earlier, to $5.0 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.32% a year earlier. Where it has less room is capital: it holds common equity equal to 11.35% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Montgomery Bank reported a CET1 capital ratio of 11.35%, a return on assets of 1.67%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.60%. The figures come from its call report filed with the FFIEC.
Montgomery Bank ranks as the 30th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.0% to $1.18B, loans rose 1.5% and deposits fell 5.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.4%. The FDIC Summary of Deposits lists 12 offices for it, in 10 cities in MO; its Sikeston 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, Montgomery Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Montgomery Bank Plaza St, Sikeston, MO 63801
- County
- Scott
- Metro Area
- Sikeston, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- Montgomery Bank, National Association (2004-2018); Montgomery First National Bank (1999-2004); The First National Bank of The Mid-South (1991-1999)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 212
- Domestic deposits
- $1.03B
- Allowance for credit losses
- $10.4M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $1.19B
- Average total loans
- $984.8M
- Average interest-bearing deposits
- $821.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8255
- Fed RSSD
- 613558
- Website
- www.montgomerybank.com →
- Parent Holding Company
- MONTGOMERY BANCORPORATION, INC. (RSSD 1119495)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Montgomery Bank's total assets moved between a low of $1.16B (Q4 2024) and a high of $1.36B (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.18B total assets against $1.18B; $1.05B total liabilities against $1.05B.
$983.7M net loans and leases against $980.3M; $1.03B total deposits against $1.04B.
$18.8M securities against $20.1M; $85.2M cash and balances due against $81.2M.
$16.8M total interest income against $16.5M; $3.7M total interest expense against $4.3M.
$13.1M net interest income against $12.2M.
$1.6M total noninterest income against $1.8M; $9.4M total noninterest expense against $9.3M.
-$5K provision for credit losses against $248K.
$5.0M net income against $4.3M.
1.67% return on assets against 1.47%; 4.77% net interest margin against 4.57%.
11.35% CET1 capital ratio against 10.56%; 9.69% tier 1 leverage ratio against 9.18%.
Inside the full Montgomery Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Montgomery Bank rankings
Its closest position to the top of a national ranking is 895 of 4,196, for total assets; its furthest is 1,880 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q4 2024) to 1.67% (Q2 2026) and its net interest margin ran from 4.08% (Q3 2024) to 4.82% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.35% | 1.67% | 0.44% | 3.60% | 4.77% |
| Q1 2026 | 11.53% | 1.61% | 0.33% | 2.63% | 4.54% |
| Q4 2025 | 10.81% | 1.54% | 0.34% | 2.91% | 4.82% |
| Q3 2025 | 10.51% | 1.57% | 0.28% | 2.41% | 4.70% |
| Q2 2025 | 10.56% | 1.47% | 0.32% | 2.75% | 4.57% |
| Q1 2025 | 10.62% | 1.42% | 0.39% | 3.40% | 4.38% |
| Q4 2024 | 10.30% | 1.14% | 0.31% | 2.85% | 4.25% |
| Q3 2024 | 10.29% | 1.17% | 0.33% | 3.22% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Montgomery Bank (main office) | Sikeston , MO | 63801 | $349.4M |
| Cape Girardeau - Broadway Branch | Cape Girardeau , MO | 63701 | $264.9M |
| Mid-South Branch | Webster Groves , MO | 63119 | $111.9M |
| Ellisville Branch | Ellisville , MO | 63011 | $47.6M |
| Valley Park Branch | Valley Park , MO | 63088 | $47.2M |
| Jackson Branch | Jackson , MO | 63755 | $44.8M |
| Chesterfield Branch | Chesterfield , MO | 63017 | $41.5M |
| Cape Girardeau - Mount Auburn Branch | Cape Girardeau , MO | 63703 | $39.2M |
| Union Branch | Saint Louis , MO | 63125 | $30.9M |
| Bridgeton Branch | Bridgeton , MO | 63044 | $22.4M |
| Des Peres Branch | Des Peres , MO | 63131 | $16.5M |
| Miner Branch | Sikeston , MO | 63801 | $9.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 17, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2022 | Structure Change | Acquired Meramec Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 1990 | Structure Change | Acquired Colonial Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 3, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in MO, rank 43 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 455 applications, 349 loans originated, $70.8M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $780K approved, $260K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Montgomery Bank
What are Montgomery Bank's total assets?
As of the Q2 2026 filing, Montgomery Bank reported total assets of $1.18 billion in its FFIEC call report.
Where is Montgomery Bank headquartered?
It is headquartered in Sikeston, MO, United States.
When was Montgomery Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Montgomery Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Montgomery Bank?
Montgomery Bank's primary federal regulator is the Federal Reserve.
What is Montgomery Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does Montgomery Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Montgomery Bank's Texas Ratio?
Its Texas Ratio is 3.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Montgomery Bank previously called?
The charter now named Montgomery Bank has also operated as Montgomery Bank, National Association (2004-2018), Montgomery First National Bank (1999-2004), The First National Bank of The Mid-South (1991-1999), per FDIC structure-change records.
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